Is your paypal verified and set up correctly? 'Instant' depends on the bank, time of day of deposit and how long it takes to journey thro' cyberspace.
It's not a click of the fingers thing & it's there

Here's what you need to do is complete about 10 transactions in your case under $50 then you should be able to have an increase of your instant transfer feature. Try using it on ebay and buy some things let it take it from your bank account (instant transfer) then see what happens after that. Keep us posted! GOOD LUCK!